Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations present, the description carries the full burden and does it well: it discloses authentication requirements, payment alternatives, the output fields, the supported timeframe range, maximum candle count, and the fact that candles are returned newest last. This goes well beyond what the schema or annotations alone would provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.